Dave Harper is a Strategic Health & Retirement Architect with Ironhawk Financial, a wealth management and insurance planning firm focused on protecting individuals, families, and businesses. Dave doesn’t simply “manage” coverage or retirement plans—he designs integrated strategies that help clients defend what they’ve built and confidently move toward the future they want.

Dave’s work sits at the intersection of strategic consulting, group health benefits, insurance solutions, and annuities. His mission is to help clients address two of the biggest threats to long-term financial stability: rising healthcare costs and market volatility. With a planning model built for small business owners and the self-employed, Dave helps clients reduce unnecessary healthcare spending today while creating more capacity to fund retirement goals tomorrow. His approach is practical and results-driven: identify inefficiencies, strengthen protection, and implement long-term accumulation strategies that prioritize safety and consistency. For many clients, that means pursuing solutions designed to grow steadily without exposing principal to the day-to-day swings of the market.

Through his partnership with Ironhawk Financial, Dave offers a coordinated, 360-degree planning experience where healthcare strategy and retirement planning work together—rather than competing for the same dollars. Clients benefit from guidance that aligns day-one protection with long-term wealth building, supporting everything from cash-flow stability to legacy goals. Dave routinely advises on non-ACA PPO options where appropriate, employee group health plans, and Marketplace choices, as well as Medicare planning that includes Supplements, Advantage plans, and Prescription Drug coverage. He also helps clients prepare for the unexpected with hospital indemnity solutions that can provide added cash-benefit protection when out-of-pocket costs spike.

On the retirement and wealth side, Dave specializes in “safe money” accumulation strategies, annuity-based planning for dependable income, personal pension and 401(k) reviews to improve efficiency, family legacy planning, and long-term care strategies that help safeguard assets from escalating medical expenses.

Dave has guided thousands of clients through major transitions—career changes, Medicare eligibility, and business growth—with clarity and confidence. He offers a complimentary Financial and Healthcare Evaluation to review current coverage, uncover “lost” dollars, and map a more resilient, tax-efficient path to retirement security.